FAQS

Businesses can apply by calling us on 0808 164 8040 or by downloading and sending us an application form. If you are a pension fund, trust, charity or club, please call 0808 164 8040 for an application form.

You can withdraw money from your account by providing us with 90 days’ notice in writing. In the event that we reduce the interest rate on your account, our terms and conditions allow depositors to close their accounts without notice or penalty.

Legal Info
B&C is a trading name of Bank and Clients PLC, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority. Registered Office: 30 King Street,
London EC2V 8EH. Company Number 980698. Entered on the Financial
Services Register, Number 204459, www.fca.org.uk/register.

A request for a copy of B&C Pillar 3 disclosures should be
made to the Bank's Registered Office.

Important information about compensation
arrangements
We are covered by the Financial Services Compensation Scheme ("FSCS")
The FSCS can pay compensation to depositors if a bank is unable to
meet its financial obligations, becomes insolvent or is unable or
likely to become unable to pay its claims against it. On 30 January
2017, the Deposit Protection Limit changed to £85,000 in
respect of all eligible depositors. In respect of deposits, an
eligible depositor is entitled to claim up to £85,000. For
joint accounts each account holder is treated as having a claim in
respect of their share, so for a joint account held by two eligible
depositors, the maximum amount that could be claimed would be
£85,000 each (making a total of £170,000). The
£85,000 limit relates to the combined amount in all the
eligible depositor's accounts with the same authorised bank,
including their share of any joint account, and not to each separate
account. For further information about the compensation provided by
the FSCS (including the amounts covered and eligibility to claim)
please call us on +44 (0) 808 164 8040, refer to the FSCS website
www.fscs.org.uk or call the FSCS on 0800 678 1100 or 0207 741 4100.
Please note, only compensation related queries should be directed to
the FSCS.

Important information about ring-fencing
Following the financial crisis which began in 2007, UK legislation was passed to better protect
customers and the day-to-day banking services they rely on. The legislation requires each
large bank to separate services like current accounts, savings accounts, and payments from
risks in other parts of the business, for example in investment banking.
This separation is called ‘ring-fencing’. It means that large banks may need to change the way
they are structured. Banks will be making changes during 2017 and 2018 to complete the
process by 1 January 2019.
You do not need to take any action unless you are contacted by your bank. If you are affected
by the changes, your bank will tell you how, when the changes take place and whether you
need to do anything.
Customers of different banks may be affected in different ways. Even similar customers of the
same bank may be affected in different ways.
Some bank customers will experience changes to their account details. For example, some
customers may receive a new sort code. Some will also receive a new account number. If you
are affected in this way, your bank will ensure that any outgoing payments, for example
standing orders and Direct Debits, are made as normal. Your bank will also redirect to your
new account details any incoming payments made to your old account details.
All bank customers should remain alert to the possibility of fraud:

- Treat all letters, phone calls, emails and text messages with caution. Don’t assume they
are genuine, even if the person seems to know some basic information about you

- Do not give out your account or card details or make changes to payments unless you
are certain who you are dealing with

- Never disclose security details, such as your PIN or online banking password. Your bank
or other genuine organisation will never ask you for these

- Don’t be rushed or pressured into making a decision or acting quickly. A genuine bank
or other organisation won’t mind waiting if you want time to think

If you have any doubts at all about what you are being asked to do, check with your bank.
Always use contact details you can trust, for example the phone number on your bank
statement, rather than any details provided in the communication in question.

Security and Privacy
Respect for client confidentiality is fundamental to our business. We
take your privacy seriously and take all appropriate steps to ensure
information about you is kept secure and confidential.

Security and Use of Information
We collect information about individuals only where it is
specifically and knowingly provided by them. We maintain physical,
electronic and procedural safeguards to protect this information from
unauthorised access or use. The information collected will be used to
send you the information you have requested and provide any
additional information regarding B&C' services and
products that we think may be useful to you. The way we deal with
your personal information is outlined in our customer terms and
conditions.

Terms of Use
We are not responsible for the privacy practices of any sites other
than our own. We have taken great care to ensure the accuracy of the
contents of this website; however, we do not accept responsibility
for any inaccuracies, omissions or errors of the information
provided. Equally, we do not accept responsibility for any
information provided by third parties and are not responsible for the
privacy practices of any sites other than our own. By continuing to
use this site, you agree to these Terms of Use.

Safeguards
In addition to our safeguards, your personal data is protected in the
UK by the Data Protection Act 1998. This provides, among other
things, that the data we hold about you will be processed lawfully
and carefully. It should be accurate, relevant and not excessive. It
should be kept up to date, where necessary. It should not be retained
any longer than is necessary. The information should be kept securely
to prevent unauthorised access by others.

Policy Changes
Any changes to this Privacy Policy and the Terms of Use will be
posted here.

Questions or Complaints
If you have any questions relating to our Security or Privacy policy
or if you believe we have not complied with it in any regard, please
write to: The Compliance Officer, 30 King Street, London EC2V 8EH.

Telephone calls
To help make sure we are providing the best possible service to our
customers, we may monitor or record our calls.